---
title: "Hiscox vs Lockton: Cyber Insurance"
description: "Hiscox offers a standalone small-business cyber policy you can quote online. Lockton brokers cyber under an Inform, Improve, Insure process, with more than 100 associates who review security posture and run incident-response exercises."
canonical: "https://spot.insure/compare/hiscox-vs-lockton/cyber"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "hiscox-vs-lockton"
provider-a: "hiscox"
provider-b: "lockton"
coverage-line: "cyber"
---

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[Human-readable page](https://spot.insure/compare/hiscox-vs-lockton/cyber)

## Agent Guide

**What this page is:** Focused comparison of Hiscox and Lockton for Cyber Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Cyber Insurance questions about Hiscox versus Lockton. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Hiscox vs Lockton for Cyber Insurance: how do they differ?
- Which is better for Cyber Insurance, Hiscox or Lockton?
- What does Hiscox or Lockton publish about Cyber Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Cyber Insurance. Providers: Hiscox and Lockton.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Hiscox vs Lockton](https://spot.insure/compare/hiscox-vs-lockton) — all coverage lines for this pair
- [Cyber Insurance guide](https://spot.insure/coverage/cyber) — how this coverage works
- [Hiscox profile](https://spot.insure/insurance-providers/hiscox) — provider profile
- [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile

# Hiscox vs Lockton: How Do They Compare for Cyber Insurance?

Lockton is a broker for tech sectors that quantifies exposure first; Hiscox sells cyber directly online to small businesses and customizes cover for IT consultants.

Hiscox sells small-business cyber online; Lockton pairs placement with a large cyber risk-engineering team.

## Hiscox vs Lockton Cyber Insurance Summary

Hiscox offers a standalone small-business cyber policy you can quote online. Lockton brokers cyber under an Inform, Improve, Insure process, with more than 100 associates who review security posture and run incident-response exercises. [1](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") [5](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")

## What Are the Key Differences Between Hiscox and Lockton Cyber Insurance?

### Self-Serve Quote Versus Risk Engineering

Hiscox lets eligible buyers quote standalone cyber online. Lockton pairs placement with advice: quantifying cyber financial exposure, recommending security improvements, then negotiating terms. Choose Hiscox if you want to buy a small-business cyber policy online; choose Lockton if you want security-posture work and incident-response exercises before the policy. [1](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") [5](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")

### Technology Sectors Lockton Names

Lockton's technology practice names electronic hardware, information technology, internet, medical equipment, semiconductors, software and telecommunications. Hiscox markets cyber to small businesses broadly and to IT and technology consultants specifically, without that hardware-and-semiconductor list. [6](https://global.lockton.com/us/en/technology "Technology") [1](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") [2](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance "IT Professional & General Liability Insurance")

### How You Reach Each Team

Lockton lists a named U.S. Cyber and Technology leader and a published team email rather than a self-serve tool. Hiscox offers an online quote plus a licensed-agent phone line if you get stuck during the application. [5](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [1](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses")

## What Should You Confirm in Hiscox and Lockton Cyber Insurance Quotes?

- Confirm Hiscox's issuing company for your state. [4](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide")
- Ask Lockton which insurers it would negotiate with. [5](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")
- Ask Lockton whether incident-response exercises are included in the fee. [5](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")
- Get Hiscox limits in writing; the product page does not publish them. [1](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses")

## Hiscox vs Lockton Cyber Insurance Compared

| Criteria | Hiscox Cyber Security Insurance | Lockton Cyber & Technology Insurance Brokerage |
| --- | --- | --- |
| Who It’s For | Hiscox markets cyber insurance to small businesses broadly and specifically to IT and technology consultants, describing itself as customizing coverage for the technology sector's data-handling and security exposures. [1](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") [2](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance "IT Professional & General Liability Insurance") (Evidence: Company-reported; scope: Company-stated audience across the standalone cyber page and the IT-insurance page..) | Lockton's technology practice says it works with clients in electronic hardware, information technology, internet, medical equipment, semiconductors, software and telecommunications, and highlights cyber liability as a core exposure for those industries. [6](https://global.lockton.com/us/en/technology "Technology") (Evidence: Company-reported; scope: Technology industry page as read 2026-09-23. No minimum company size or revenue threshold was published..) |
| How to Apply | Hiscox says eligible buyers can get a cyber insurance quote online, with a licensed-agent phone line available for questions during the process. [1](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") (Evidence: Company-reported; scope: Company-described online application; eligibility and binding conditions require confirmation on the actual application..) | The Cyber & Technology page lists a named contact (its EVP, U.S. Cyber & Technology Leader) and the email cyber@lockton.com as the way to reach the team, rather than a self-serve online quote tool. [5](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") (Evidence: Company-reported; scope: Cyber & Technology page as read 2026-09-23..) |
| Role in This Line | Hiscox Inc. sells cyber insurance directly online as a standalone product for small businesses, separate from its business owner's policy, which also offers an optional cyber add-on. [1](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") (Evidence: Company-reported; scope: Company-stated standalone small-business cyber product; the BOP cyber add-on is a distinct package option described on a different page..) | Lockton brokers cyber insurance and pairs placement with its own risk-management advice under a three-step Inform, Improve, Insure approach: quantifying cyber financial exposure, recommending security improvements, then negotiating coverage terms with insurers. [5](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") (Evidence: Company-reported; scope: Cyber & Technology product page as read 2026-09-23..) |

## About Hiscox and Lockton and Cyber Insurance

- [Hiscox company profile](https://spot.insure/insurance-providers/hiscox) · [Hiscox customer reviews](https://spot.insure/insurance-providers/hiscox/reviews)
- [Lockton company profile](https://spot.insure/insurance-providers/lockton) · [Lockton customer reviews](https://spot.insure/insurance-providers/lockton/reviews)
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber)

## Related Pages for Hiscox vs Lockton Cyber Insurance

- [Hiscox vs Lockton](https://spot.insure/compare/hiscox-vs-lockton): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay covered breach response, data recovery, interruption and liability costs; vendor incidents and funds-transfer fraud need separate checks.
- [Hiscox Cyber Insurance](https://spot.insure/insurance-providers/hiscox/cyber)
- [Lockton Cyber Insurance](https://spot.insure/insurance-providers/lockton/cyber)

## Sources for Hiscox vs Lockton Cyber Insurance

### Sources About Hiscox

1. [Cyber Insurance for Small Businesses](https://www.hiscox.com/small-business-insurance/cyber-security-insurance). Hiscox; Standalone cyber security/cyber liability product with online quote; data-breach, cyberattack and related-loss descriptions; licensed-agent phone number. Accessed 2026-09-16.
2. [IT Professional & General Liability Insurance](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance). Hiscox; IT/technology professional audience; illustrative cyber breach-response example. Accessed 2026-09-16.
3. [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance). Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent. Accessed 2026-09-16.
4. [Hiscox US Agent Appetite Guide](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf). Hiscox; Hiscox NOW admitted GL, PL, cyber and BOP underwritten by Hiscox Insurance Company Inc.. Accessed 2026-09-16.

### Sources About Lockton

5. [Cyber & Technology](https://global.lockton.com/us/en/cyber-technology). Lockton; A Custom Approach; The Lockton Difference; Inform, Improve, and Insure three-step approach; team of over 100 Associates; contact cyber@lockton.com. Accessed 2026-09-23.
6. [Technology](https://global.lockton.com/us/en/technology). Lockton; Unique expertise in Cyber Liability; industries served (electronic hardware, information technology, internet, medical equipment, semiconductors, software, telecommunications). Accessed 2026-09-23.

Updated 2026-09-25. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/hiscox-vs-lockton/cyber.md)
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- [Public MCP server](https://spot.insure/mcp)
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- [Public page index](https://spot.insure/llms.txt)